![]() I was diligent with using this spreadsheet & checked it on a weekly basis. ![]() When I used this spreadsheet, I’d plug in all those non-changing items for the whole year (rent, transit expenses, cable, cell phone bill), and for other utilities, I averaged six months worth & added $10 to whatever the average was – since one bill is never the same unless you’re on some type of budget plan – With this guesstimate, I found that I generally had money back in my pocket which I applied to paying off a credit card here’n’there! The other “tools” I’ve used mainly show what I’m spending & when/where I’m spending it (like, when a bill is due, I open my budget spreadsheet, enter the amounts being paid, click AutoSum, and I’m done with it.) Still, I’m finding that I don’t have quite the same “stick-with-it” attitude doing it that way as I do with this one. I personalized it more by adding in extra columns to reflect my bi-weekly pay dates. I’ve used several others since, but I think I’m going back to this one it really is the best. This spreadsheet is very similar to one I used a few years ago. Little reviews and updates can add up to big changes. Step 5: Repeat, Revisit, Review!Ĭheck in with your spending, earning, and debt reduction. By facing the hard stuff and making changes you’ll turn your money around, rather than turning your back on your money. Step 4: Turn it around!įacing the numbers and looking for ways to cut spending, increase income, or changing spending habits can be a messy uncomfortable process. Wherever you spend, however much you owe, whatever you save - Your monthly totals are not your self worth, it’s your starting line. Family: Childcare, allowance, activities, books, toys.Routine Expenses: Groceries, clothing, personal.Enjoyment: Gifts, holiday, pets, entertainment, restaurants, hobbies.Financial: Bank fees, interest payments, debt repayment, savings accounts.Medical: Prescriptions, dental, health insurance. ![]() Utilities: Streaming, internet, phone, electricity, water.Transportation: Car, transit, fuel, maintenance, bicycle.Home Expenses: Rent, mortgage, insurance, maintenance, property taxes.Income: Salary, bonuses, investments, spousal income.Fill in the blanks and account for your cash. Grab your receipts, sort your bills, and check your bank accounts. But getting past the feels can lead to greater money confidence and increased financial independence. Feeling overwhelmed and stressed is normal. Add it up: Tally your monthly expenses.Ready to map out your plans for the year? Join the Shining Mom mailing list and get this free holiday calendar straight into your inbox! Your download also includes a blank template for those who prefer not to have the holidays on their calendar. No matter how you intend to use it, for sure, this free 2023 pdf calendar is going to be a great organizer to use for the whole year! So download it for free today! Get Your Free Calendar with Holidays You can enjoy this free printable 2023 monthly calendar with holidays in many different ways. Scroll down to view this free printable 2023 monthly calendar with holidays and get planning! Feel free to print as many copies as you need! To download this free calendar, you can find the download button towards the end of this post. This calendar is designed to print on US standard letter-size paper (8.5 “x11” dimensions). So if you’re still looking for a free printable 2023 monthly calendar with holidays to use, grab this pretty calendar today! The Free Printable 2023 Monthly Calendar with Holidays It comes pretty with a golden color for the months and a colorful frame for the days of the week. The free calendar that I have for you today is a popular Shining Mom design I have been sharing for years. I also made it available in blank templates so you can use it even if f you reside in other parts of this beautiful world! And this time, I’ve preloaded it with US holidays and observances so you can easily plan your work travels ahead. I have been doing this for almost twelve years now! While I have already released several free 2023 calendar templates, I thought of sharing another one today. This is why here at Shining Mom, I always share printable calendars for everyone to enjoy. I like how my calendar gives me an overview of how my schedules for the month will run. I use it to map out my kids’ activities, create a meal plan for my family, and list a post plan for my blog. How do you manage your schedules each month? As for me, I love using a pretty calendar to organize my plans.
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